SIP Calculator - Mutual Fund Returns & Wealth Growth

Monthly Investment:

₹

₹500 ₹50,000 ₹1,00,000

Expected Annual Return Rate (p.a.):

1% 15% 30%

Time Period (Tenure):

1 Year 20 Years 40 Years

📊 Projected Summary

Total Invested ₹6,00,000

Estimated Returns ₹5,61,695

Expected Total Maturity Value

₹11,61,695

Year-by-Year Growth Table

Milestone Year	Invested Amount	Estimated Gain	Total Future Value

Understanding the Power of Compounding via Mutual Fund SIPs

A Systematic Investment Plan (SIP) allows individuals to invest manageable, consistent monthly sums into equity or debt mutual funds. Unlike attempting to time volatile market peaks and troughs, regular investing takes advantage of Rupee Cost Averaging. When markets dip, your fixed monthly allocation buys more mutual fund units; when markets rally, those accumulated units surge in capital value.

The 15 × 15 × 15 Wealth Formula:

In financial literacy, the 15×15×15 principle illustrates the exponential trajectory of compounding: investing ₹15,000 per month for 15 years at an annualized return of 15% yields a portfolio of approximately ₹1,00,00,000 (1 Crore).

Frequently Asked Questions (FAQs)

A SIP is an investment method where an investor deposits a fixed amount periodically (monthly/quarterly) into a mutual fund scheme to benefit from compounding and rupee cost averaging.

Historically, diversified equity mutual funds and index funds (Nifty 50, Sensex) in India have delivered long-term returns between 12% and 15% CAGR over 10+ year horizons.

The future value formula is: FV = P × [((1 + i)^n - 1) / i] × (1 + i), where P is periodic deposit, i is monthly interest rate, and n is number of months.

Compounding works exponentially over time. Starting an investment 5 years earlier can double your final maturity corpus due to returns earning returns.

Yes! Toggle the switch at the top to Lumpsum mode to compute one-time mutual fund compounding growth.

SIP & Lumpsum Return Calculator

📊 Projected Summary

Year-by-Year Growth Table

Understanding the Power of Compounding via Mutual Fund SIPs

The 15 × 15 × 15 Wealth Formula:

Frequently Asked Questions (FAQs)

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